Sacramento Business Insurance
Built Around How Your Business Actually Works.

Most Sacramento small businesses start with general liability, which covers injuries and property damage you cause to others. If you have equipment, inventory or a space you lease or own, a business owner's policy (BOP) combines liability with business property. California requires workers' compensation as soon as you have an employee, and vehicles used for work need commercial auto. We'll look at what your business actually does and tell you which of these you need.

Yes. We write business owner's policies for small businesses of every kind, including landscapers, gardeners and tree trimmers, not only offices and storefronts. A BOP gives you liability for the work you do on clients' properties plus coverage for your business property in one policy. Tell us exactly what work you do, because tree work is rated differently from mowing and maintenance, and we'll add commercial auto for your trucks and trailers and workers' comp for your crew.

Yes. Under California Labor Code section 3700, the requirement starts with your first employee, whether that person works full-time or a few hours a week. A business caught without coverage faces stop-work orders and penalties, and the owner can be held personally responsible for an injured employee's medical bills and lost wages.

Public contracts usually ask for a certificate of insurance showing general liability, commercial auto and workers' compensation at stated limits, and often an endorsement naming the agency as an additional insured. The exact requirements are in the insurance section of your contract and vary from one contract to the next. Send us that section and we'll match your coverage to it before you sign.

To hold a California license, a contractor files a $25,000 license bond with the CSLB (up from $15,000 since January 1, 2023) and either a workers' compensation certificate or an exemption for having no employees. LLC licensees also need liability insurance by law. In practice, Sacramento builders and homeowners will ask for proof of general liability before you start, so we set up the bond and the policy at the same time.

It depends mostly on what you do, your revenue and payroll, the vehicles you use and your claims history. An office or small shop on a business owner's policy is usually at the low end; contractors, businesses with employees on job sites, and anyone with work vehicles pay more. Because we compare 20+ carriers, the same business can see very different prices, which is why it pays to have an independent agent shop it.